# Self-Lending Pods Example

#### Key Info:

* **90% of Interest** from the borrower goes to lenders.
* **10%** goes to the protocol.

***

#### Scenario Breakdown:

**User A (Borrower):**

* Borrows **$5,000** to farm with **$10,000**.
* Earns **50% APR** on farming = **$2,500/year**.

**User B (Lender):**

* Lends **$1,000**.
* Earns **49.5% APR** = **$495/year**.

#### Key Points:

* **User A pays 55% APR** on the $5,000 loan = **$2,750/year**.
* **User A gets 90% of that interest back** because they’re also a lender.
* **User A’s net cost**: Pays **$770/year** (including **$275** to the protocol and **$495** to User B).
* **User A’s net profit**: **$1,730/year**.
* **User A’s effective APR**: **34.6%**.

#### Why It Works:

* **User A** earns 50% APR on **$10,000** but only pay interest on the borrowed **$5,000**.
* **User B** earns **50% APR** on their $1,000 loan.\ <br>


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